Get a head start on the new tax year – apply for our 2026/27 Fixed Cash ISA today. Sit back and relax as you earn a guaranteed tax-free return of 3.85% AER.
Decide which ISA you’d like to apply for:
A Fixed Cash ISA is a simple, tax-free way to grow your savings. Apply by 31 March to make the most of your 2025/26 allowance – your ISA will be ready in time for the current tax year.
4.00% tax-free/AER
2025/26 tax year
Between £5 and £20,000
A Fixed Cash ISA is a simple, tax-free way to grow your savings. Members can apply now through our simple form and earn 3.85% AER for the 2026/27 tax year.
3.85% tax-free/AER
2026/27 tax year
Between £5 and £20,000
Tax-Free Returns
Fixed Cash ISAs offer the benefit of tax-free interest, allowing you to make the most of your savings without worrying about deductions. This makes them an ideal choice for anyone looking to maximise their returns simply and effectively.
Fixed Rates for Certainty
With a Fixed Cash ISA, you’ll enjoy a guaranteed interest rate for the term of the account. This ensures that your savings grow reliably and eliminates any uncertainty about potential changes in rates.
Encourages Long-Term Saving
Opting for a Fixed Cash ISA often involves committing your funds for a fixed period, fostering healthier saving habits while creating an opportunity for steady financial growth.
Purpose-Driven Saving
Every pound you save supports vital roles in our community, creating a positive impact alongside your returns.
Trust and Reliability
Your savings are protected by the FSCS (Financial Services Compensation Scheme), providing you with security and peace of mind.
Here’s a quick rundown of the key points about our Fixed Cash ISA, so you have everything you need to know before applying.
Account name
Fixed Cash ISA 2025/26
What is the interest rate?
4.00% tax-free/AER
Can Serve and Protect change the interest rate?
No, the interest rate is fixed for the 2025/26 tax year.
What would the estimated balance be at the end of the tax year, based on a £20,000 deposit?
If you added £20,000 to your Fixed Cash ISA on 6th April 2025 and made no withdrawals, then at 5th April 2026, your balance would be £20,800.
How do I open and manage my account?
How do I pay into this account?
You can pay your initial deposit(s) into this account by transfer from another account held with another provider or us.
You can do this by providing us with a completed Cash ISA Transfer Authority Form. You’ll receive the form shortly after completing our application form. Return it to us, and we’ll arrange the transfer on your behalf.
Can I withdraw money?
Yes – however, any withdrawals will automatically close your Fixed Cash ISA. You can take money out and close your Fixed Cash ISA whenever you wish, with no notice, although our standard 60-day interest penalty will apply for withdrawals made before the agreed subscription term.
Additional information
You might need to pay tax on the interest or dividend you receive from your savings accounts with us. This will depend on your personal financial situation. You can find more information here.
Interest will be paid into your account, and you are responsible for declaring any relevant amount of interest to the relevant authorities.
Those members residing overseas will be included in the Automatic Exchange of Information return as required by HMRC, which discloses interest payments made.
You may transfer your money to another available Serve and Protect Credit Union account or withdraw it to another account.
Here’s a quick rundown of the key points about our Fixed Cash ISA, so you have everything you need to know before applying.
Account name
Fixed Cash ISA 2026/27
What is the interest rate?
3.85% tax-free/AER
Can Serve and Protect change the interest rate?
No, the interest rate is fixed for the 2026/27 tax year.
What would the estimated balance be at the end of the fixed term, based on a £20,000 deposit?
If you added £20,000 to your Fixed Cash ISA on 6th April 2026 and made no withdrawals, then at 5th April 2027, your balance would be £20,770.
This example is for illustration purposes only.
How do I open and manage my account?
You can apply by completing our online application form here.
To open an account, you must:
How do I manage this account and get in contact?
How do I pay into this account?
You can deposit money using your ISA allowance or transfer an existing Cash ISA from another provider.
If you’re using your annual ISA allowance
You can pay your initial deposit(s) into this account by transfer from another account held with another provider or us.
If you’re transferring an existing cash ISA you have (with us or elsewhere) to this account
You can do this by providing us with a completed Cash ISA Transfer Authority Form. You’ll receive the form shortly after completing our application form. Return it to us, and we’ll arrange the transfer on your behalf.
You must not withdraw the funds yourself to transfer to this account, as they will lose their tax-free status.
Can I withdraw money?
Yes – however, any withdrawals will automatically close your Fixed Cash ISA. You can take money out and close your Fixed Cash ISA whenever you wish, with no notice, although our standard 60-day interest penalty will apply for withdrawals made before the agreed subscription term.
Additional information
You might need to pay tax on the interest or dividend you receive from your savings accounts with us. This will depend on your personal financial situation. You can find more information here.
Interest will be paid into your account, and you are responsible for declaring any relevant amount of interest to the relevant authorities.
Those members residing overseas will be included in the Automatic Exchange of Information return as required by HMRC, which discloses interest payments made.
You may transfer your money to another available Serve and Protect Credit Union account or withdraw it to another account.
Are you ready to apply for our 2026/27 ISA? Click here to get started.
Complete the form below to apply for your 2025/26 Fixed Cash ISA and make the most of your tax-free allowance – applications close on 31 March.
You can now apply for our 2026/27 Fixed Cash ISA.
Feel secure knowing your savings are protected. With Serve and Protect, your funds are covered up to £120,000 by the Financial Services Compensation Scheme (FSCS). This means you can save with us confidently, knowing your money is in safe hands.
We know financial jargon can be confusing, so we’ve simplified some of the key terms you might come across:
AER (Annual Equivalent Rate)
Interest earnings if compounded annually.
Fixed Interest
Fixed interest is a rate of return on savings or investments that remains constant throughout a set period, regardless of market fluctuations. It provides stability and allows for easier financial planning.
Interest Rate
The interest rate is the percentage paid for keeping money in your savings account, helping your balance grow over time.
Maturity
Maturity marks the end of your account’s term. At this point, you can withdraw, reinvest, or explore other options.
Tax Free
Interest earned exempt from taxes, often applicable to ISAs.
Tax Year
The tax year is the 12-month period used by the government for calculating an individual’s tax liabilities. In the UK, the tax year runs from 6 April of one year to 5 April of the following year.
Confused by financial jargon? Visit our Jargon Buster for more helpful explanations.
Below, you’ll find an archive of the Fixed Cash ISA rates we’ve paid, allowing you to easily track what was provided and when.
| Tax year | Effective period | AER (Annual Equavalent Rate) |
|---|---|---|
| 2025/2026 | 06.04.2025 - 05.04.2026 | 4.00% |
| 2024/2025 | 06.04.2024 - 05.04.2025 | 4.00% |
Standard ISA Rate – Our Standard ISA rate is currently 1%. This is the rate you will receive on any Cash ISAs held with us from previous tax years.
